| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $4K | $4K | 0.11% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | EXCELLUS BLUE CROSS BLUE SHIELD | $99K | $0 | $99K | 2.88% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $92K | $92K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $0 | $34K | 1.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | $32K | $0 | $32K | 2.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | AETNA LIFE INSURANCE COMPANY | $256K | $1K | $257K | 19.95% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | METLIFE LEGAL PLANS | $16K | — | $16K | 10.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $9.6M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,739 | $8.3M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 7,706 | $698K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,736 | $3.1M |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,736 | $3.1M |
| Prescription drug(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $9.6M |
| Other(6 contracts, 6 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,736 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,739 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.